Magazine & Daily News

Our Approach

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Moneylife is a media organization with a difference. It offers a totally honest opinion about financial products and is not afraid to call a spade a spade. The Moneylife philosophy is to be on the side of the consumer and the investor. This is why Moneylife Foundation is the voice of savers, arguing for policies that benefit the savers.

Our commitment to call a spade a spade has cost us money. When competing publications were writing long articles on how to select Unit-linked Insurance Plans and were giving awards to the best ULIPs, we were arguing that ULIPs are harmful (see here). The action of the insurance regulator, Insurance Regulatory and Development Authority (IRDA) in drastically cutting the commissions of ULIPs and making deep and fundamental changes to ULIPs in 2010 proved the point we alone had made in 2006 March, in the second issue of the magazine. This has cost us advertisement revenues but we stuck to it, in the interests of consumers and investors.

Stock Screener

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Moneylife is the first publication in India to introduce fund screens and stock screens. It identifies stocks through a well-tested and transparent method and not through hunch, impression and gut-feel. Moneylife has set the highest standards of analysis in discussing fund performance, cutting through hype and gimmick of funds.

Our stock recommendations have been consistently rewarding, fetching returns in excess of the average mutual funds. We bring a unique accountability to our recommendations, offering a comprehensive review once every year. This is a first in India.

Partner With Moneylife

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Moneylife is open to partnerships in different forms. You can do one or more of the following with us:

- Event sponsorships

- Barter advertising

- Custom publishing

- Content partnership

For you exact needs, please contact us at sales@moneylife.in and we would be happy to respond as soon as possible.

Moderation Policy and Terms of Use

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1. Changes to the Agreement

We may modify this Agreement from time to time in our sole discretion and without notice to you. You should review this Agreement periodically to ensure familiarity with its then-current terms and conditions. Your continued use of the Services following any modification of this Agreement shall constitute your acceptance of such modifications to this Agreement.

2. Additional Terms of Use

Some Services or content sets available through the Services may have additional terms, conditions and restrictions associated with them and will be posted on such Services or content sets. You agree that such additional terms, conditions and restrictions will apply to your use of such Services or content sets and if there is a conflict with this Agreement, such additional terms, conditions and restrictions will control.

3. Ownership; General Limitations on Use.

3.1 Ownership

You acknowledge and agree that the text, information, data, graphics, images, audio, video, design, organization, compilation, meta data, look and feel, advertising and all other protectable intellectual property (the "Content") available through the Services is our property, the property of our advertisers or our third party licensors or suppliers (such licensors and suppliers are referred to as "Information Providers") and is protected by copyright and other intellectual property laws.

3.2 Limitations on Use

Unless you have our written consent in advance, you may not reproduce, sell, publish, distribute, retransmit, disseminate, perform, display, broadcast, create new works from, or commercially exploit the Content available through the Services, with the following two exceptions:

3.2.1 To the extent that we feature email or other sharing functionality on a particular article in the Services, you may use email or other featured sharing functionality to share such article with other individuals.

3.2.2 For articles that are written and published by Moneylife, you may occasionally distribute a copy of an article, or a portion of an article, from a Service in non-electronic form to a few individuals without charge, provided you include all copyright and other proprietary rights notices in the same form in which the notices appear in the Services. For articles and other content that is not Proprietary Content, you should not assume that you have the rights granted in this Section 3.2.2. Your rights will be limited any special terms, conditions and restrictions applicable to such content that is set forth below in this Agreement or on or near the content set.

You agree to access the Services manually by request and not programmatically by macro or other automated means.

3.3 Premium Products

Certain Services and content sets are only available after additional registration and/or payment of a fee.

3.4 Modification of Content

You agree not to rearrange or modify the Content. You agree not to create abstracts from, scrape or display headlines from the Content for use on another website or service or use the Content for commercial purposes, including without limitation algorithmic trading programs. You agree not to upload, post or submit any Content from the Services to weblogs, newsgroups, mail lists or electronic bulletin boards, except through services we specifically provide for that purpose (e.g. an RSS Feed) or after we give our written consent in advance.

4. Member Accounts; Privacy

•We require you to register to become a member (a “Member”) before obtaining access to certain Services and certain functionality. When you register, you agree to provide us with true and accurate information about yourself.

•You understand that any information you provide as part of such registration or that we otherwise collect about you is subject to our Privacy Policy. When registering, you need to select a unique user name and password. We reserve the right to refuse giving you a user name if it impersonates someone else’s name, or if we feel it is otherwise inappropriate.

•It is your responsibility to choose your password wisely. We are not responsible for any user impersonating you on our Services. If you have concerns or believe that someone is using your password without your authority, please contact Moneylife Support.

•We reserve the right to disclose any information about our Members or users, including registration data, in order to comply with any applicable laws and/or requests under legal process, to operate our systems properly, to protect our property or rights, and to safeguard the interests of our user and other Members.

5 Member Content (User Generated Content); Message Boards.

5.1 Member Content

We offer Members and users the opportunity to comment on and engage in discussions regarding articles, companies and various topics. Any content, information, graphics, audio, images, and links you submit as part of creating your profile or in connection with any of the foregoing activities is referred to as "Member Content" in this Agreement and is subject to various terms and conditions as set forth below.

5.2 Cautions Regarding Other Members and Member Content

•You understand and agree that Member Content includes information, views, opinions, and recommendations of many individuals and organizations and is designed to help you gather the information you need to help you make your own decisions.

•We do not routinely screen, edit, or review Member Content. However, we reserve the right to monitor or remove any Member Content from the Services at any time without notice.

•Importantly, you are responsible for your own investment decisions and for properly analyzing and verifying any information you intend to rely upon. We do not endorse any recommendation or opinion made by any Member.

•You should be aware that other Members may not be who they say they are. We take no action to perform a background check on any of our Members' profiles. We do not guarantee that Members' profiles are accurate.

•You should also be aware that other members may use our Services for personal gain. As a result, please approach messages with appropriate skepticism. Member Content may be misleading, deceptive, or in error.

5.3 Grant of Rights and Representations by You

•If you upload, post or submit any Member Content on a Service, you represent to us that you have all the necessary legal rights to upload, post or submit such Member Content and it will not violate any law or the rights of any person.

•You agree that upon uploading, posting or submitting information on the Services, you grant us and our respective affiliates and successors a non-exclusive, transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable right and license to use, distribute, publicly perform, display, reproduce, and create derivative works from your Member Content in any and all media, in any manner, in whole or part, without any duty to compensate you.

•You also grant us the right to authorize the use of Member Content, or any portion thereof, by Members and other users in accordance with the terms and conditions of this Agreement, including the rights to feature your Member Content specifically on the Services and to allow other Members or users to request access to your Member Content, such as for example through an RSS Feed.

5.4 Removal

We may also remove any Member Content for any reason and without notice to you. This includes all materials related to your use of the Services or membership, including email accounts, postings, profiles or other personalized information you have created while on the Services.

5.5 Rules of Conduct

All Members and users of the Services must comply with the following rules of conduct:

•You will not stalk or harass another when using the Services.

•You will not interfere with others' use of the Services, including by interrupting other users' sessions, scrolling down (automatically or manually) to make it difficult for them, or otherwise act in a way that negatively affects other users' enjoyment of the Services.

•You will not attempt to harvest any screen names of email addresses for any commercial use and you will not collect or store personal information about any other individual on the Services.

•You will not use the Services for illegal purposes and you will not upload, post or submit any Member Content that is obscene or may be hateful or offensive on racial, ethnic, sexual or any other grounds; is harmful, vulgar or distasteful; or is defamatory, libellous, or invades another person's privacy or proprietary rights.

•You will not impersonate any other person or misrepresent a relationship with any person or entity, including misrepresenting a relationship with Moneylife.

•Similarly, you will not adopt a false identity if the purpose of doing so is to deceive or defraud another.

•You will not upload, post or submit any Member Content that contains any viruses, cancel bots, Trojan horses, harmful code, or other computer software or program designed to interrupt the Services we provide, Members’ or users' ability to enjoy the Services, or the proper functioning of any software, hardware or equipment or materials used in connection with the Services.

•You will not send any bulk unsolicited advertising, promotional information, commercial email or other solicitation (including without limitation junk mail, "spam," chain letters or pyramid schemes of any sort) to any person through the use of the Services.

•You should demonstrate appropriate respect for other Members. If you disagree with an opinion on the Services, feel free to challenge that opinion with a posting of your own. You should, however, refrain from ever personally attacking the person making the posting.

•You will not violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by any regulatory authority in India.

•You will not upload, post, submit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).

•You will not upload, post or submit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person. You will not upload, post or submit improper or off-topic messages.

5.6 Copyright/IP Policy

It is our policy to respond to notices of alleged infringement that comply with the Copyright Act, 1957. For more information about our policy, please refer to Section 3 of Terms of Use.

6. Termination

Moneylife may discontinue or change all or any of the Services, or their availability to you, immediately, in its sole discretion, at any time without cause. Moneylife may terminate this Agreement and your access to and use of the Services, or any portion thereof, immediately, in its sole discretion, at any time without cause.

7. Moneylife reserves the right to deny or restrict, at its sole discretion, access, registration, subscription to its Web Site, its services or any portion thereof, without notice or justification. Moneylife also reserves the right to terminate your access, registration or subscription (including user name and password), at its sole discretion, and process your refunds, wherever applicable.

8. DISCLAIMERS OF WARRANTIES

•YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE SERVICES AND THE CONTENT AVAILABLE THROUGH THE SERVICES IS ON AN "AS-IS", "AS AVAILABLE" BASIS AND WE AND OUR INFORMATION PROVIDERS SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

•We do not give tax or investment advice or advocate the purchase or sale of any security or investment. You should always seek the assistance of a professional for tax and investment advice.

•Certain information and data provided in connection with these Services may be delayed as specified by financial exchanges or Information Providers. Moneylife and the Information Providers furnish the information available in connection with these Services without responsibility for accuracy and you agree that errors or omissions contained in such information shall not be made the basis for any claim, demand or cause of action against Moneylife or any Information Provider.

•We may link to, or promote, websites or services from other companies or offer you the ability to download software from other companies. You agree that we are not responsible for, and do not control, those web sites, services and software. The Services includes facts, views, opinions and recommendations of individuals and organizations deemed of interest.

•Neither Moneylife nor the Information Providers guarantees the accuracy, completeness or timeliness of, or otherwise endorse these facts, views, opinions or recommendations, gives investment advice, or advocates the purchase or sale of any security or investment.

9. LIMITATIONS ON LIABILITY

•NEITHER MONEYLIFE NOR ITS INFORMATION PROVIDERS NOR ANY OF THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND LICENSORS (THE "EXCLUDED PARTIES") WILL BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE SERVICES FOR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST SAVINGS AND LOST REVENUES WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT, CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF ANY OF SUCH EXCLUDED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN THE EXCLUDED PARTIES' LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW. You understand and agree that your use of the Services is at your sole risk.

10. INDEMNITY

You agree to indemnify and hold Moneylife and our respective subsidiaries, affiliates, officers, agents, employees, partners and the Information Providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Member Content you upload, post, submit or otherwise make available through the Services, your use of the Services, and your violation of this Agreement.

11. General

•Except as set forth in Section 2 above, this Agreement contains the final and entire agreement between us regarding your use of the Services and supersedes all previous and contemporaneous oral or written agreements regarding your use of the Services.

•This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone.

•No third party is a beneficiary of this Agreement.

•You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the state of Maharashtra, India, applicable to contracts made entirely within Maharashtra and wholly performed in Maharashtra, without regard to any conflict or choice of law principles.

•The sole jurisdiction and venue for any litigation arising out of this Agreement will be an appropriate federal or state court located in Mumbai, Maharashtra. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.

All other marks are the trademarks and service marks of their respective owners.

TERMS FOR CERTAIN CONTENT SETS:

Mutual Fund Database and Corporate Database

With respect to the Mutual Fund Database and Corporate Database included in connection with the Services, if any, you agree to the following:

•You agree and acknowledge that the Mutual Fund Database and Corporate Database is and shall remain valuable intellectual property owned by, or licensed to Mutual Funds India and the Tickerplant or any other data provider Moneylife enters into an agreement with, and that no proprietary rights are being transferred to you in such materials or in any of the information contained therein.

•You agree that you shall not publish or distribute in any medium the Mutual Funds Database or corporate data contained therein or summaries or subsets thereof to any person or entity.

•You further agree that the use of CUSIP numbers and descriptions is not intended to create or maintain, and does not serve the purpose of the creation or maintenance of, a master file or database of CUSIP descriptions or numbers for itself or any third party recipient of such service and is not intended to create and does not serve in any way as a substitute for the CUSIP MASTER TAPE, PRINT, DB, INTERNET, ELECTRONIC, CD-ROM Services and/or any other future services developed by the CSB.

•MONEYLIFE AND THE INFORMATION PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED IN THE MUTUAL FUND AND CORPORATE DATABASE. ALL SUCH MATERIALS ARE PROVIDED TO YOU ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE NOR WITH RESPECT TO THE RESULTS WHICH MAY BE OBTAINED FROM THE USE OF SUCH MATERIALS. MONEYLIFE AND MUTUAL FUNDS INDIA SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY ERRORS OR OMISSIONS NOR SHALL THEY BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE LIABILITY OF MONEYLIFE, OR THE INFORMATION PROVIDERS PURSUANT TO ANY CAUSE OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE EXCEED THE FEE PAID BY YOU FOR ACCESS TO SUCH MATERIALS IN THE MONTH IN WHICH SUCH CAUSE OF ACTION IS ALLEGED TO HAVE ARISEN. FURTHERMORE, MONEYLIFE AND MUTUAL FUNDS INDIA AND TICKERPLANT SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR DELAYS OR FAILURES DUE TO CIRCUMSTANCES BEYOND THEIR CONTROL.

You agree that all of the foregoing terms and conditions shall survive any termination of your right of access to the Services and the materials identified above.

Privacy Policy

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Moneylife Group respects the privacy of its users and is committed to protect it in all respects.

Customer information: Your personal details will be collected and processed when you order, purchase, register, subscribe or make use of any of our products or services. Information is collected by the companies of Moneylife Group.

In addition, when you visit any of our websites or use any of our digital applications (such as our iPhone or iPad applications), we also collect website and application usage information (which may include your reading history and any advertisements you may have viewed), and information about your computer or other digital device and your internet connection. This includes your computer's or digital device’s IP address, the type and version of browser and operating system you use, your internet domain and, if you visited via a link from another website, the URL of the linking page.

This information is collected to help us:

fulfill your order

manage your registration preferences

send you renewal notifications and/or service notifications

personalise web content and advertising based on your personal characteristics or preferences

ensure, as far as is practical, that our websites and applications are compatible with the browsers and operating systems used by most of our visitors

conduct customer satisfaction surveys

and, if you allow us to*, we may also:

tell you about additional products and services

tell you about other promotional activities across the Moneylife Group of companies or other companies with whom we have a business relationship

invite you to participate in market research and surveys

* Please indicate your privacy preferences using the order, registration or subscription form when ordering, purchasing, registering or subscribing.

We also use your information for in-house research and analysis. This helps us to:

improve our understanding of customer needs

create marketing profiles

support strategic development.

To enable us to conduct research we may share your information with third party suppliers employed to help. All results of any research and analysis will be anonymised or aggregated information and will not reveal any personal details of individual customers.

Cookies

A cookie is a small file which is placed on your hard drive when you visit any of the Group's websites (directly or via our applications). We use information from cookies for purposes which may include:

identifying returning users, registrants and subscribers

eliminating the need for returning users to re-enter their login details

enabling you to move more easily around our sites and applications

tracking your use of our sites to improve our sites and applications in accordance with your requirements

building up an anonymous profile based on your browsing patterns across our sites, applications and third party websites, which enables us to make advertisements and content available to you that is more relevant to your interests

You can delete cookies from your hard drive at any time. Bear in mind, though, that if you delete them, any settings such as your stored username and password will have to be reset when you next log in.

You will be able to use our websites and applications even if your browser is not set to accept cookies. However, certain features and content may not be available to you and you will have to log in every time you visit.

By visiting a Moneylife Group website, you consent to the use of cookies as explained above.

You can also choose whether you wish us to collect cookie information for these purposes using the settings in your browser.

Further information on the use of cookies can be found at: www.cookiecentral.com/faq.

E-mails

The Moneylife Group uses reputable third parties to deliver the e-mails you receive if you have subscribed to e-mail newsletters, or have chosen to receive information about Moneylife Group products, services and offers. These third parties use unique identifiers and invisible images (often called "pixel tags" or "clear GIFs") to perform message open sensing, message format sensing, and click-through sensing in order to bring you more relevant information.

Advertisements

For advertisements appearing on in our digital applications, we may share anonymised information regarding advertisement viewing patterns with our advertisers, but will not reveal any personal details of individual customers.

External links

Our websites may, from time to time, contain links to external sites. The Moneylife Group is not responsible for the privacy policies or the content of such sites and we recommend that you read the privacy policies on any external sites you use.

Security policy

The Moneylife Group does its utmost to protect your privacy and ensure your personal details are not misused, accidentally destroyed, lost or altered within the Moneylife Group.

Moneylife’s Office would remain closed on every alternate Saturday and on all Sundays and Holidays.
Moneylife will try and ensure that all website orders against Subscriptions and Books, received before 5:30 p.m. IST, are processed on the same day, except for alternate Saturdays, Sundays and Holidays, whereby the orders will be processed on the next working day.

Changes to this statement

From time to time, we may make changes to the privacy policy. This may be in relation to changes in the law, best practice or changes in our services. These changes will be reflected in this statement, so you should check here from time to time.